Iute Affinity

Privacy Notice.

Last updated: 01.02.2026.

About This Notice

This Privacy Notice explains how Iute Affinity OÜ ("Iute Affinity", "we", "us") collects and processes personal data when individuals use our website and when we support insurance-related services provided by our partners.

Iute Affinity primarily acts as a data processor, meaning that in many cases we process personal data on behalf of and under the instructions of other companies who act as data controllers. This Privacy Notice describes Iute Affinity's role and processing activities only.

Where another company determines the purposes and means of processing, that company's privacy notice applies in parallel and provides additional information about how your personal data is used.

Who We Are

Iute Affinity is established in Estonia, registered under 17382610, address Maakri 19/1, Tallinn, 10145 Estonia.

Depending on the specific processing activity and product, Iute Affinity acts either as a data processor or, in limited cases, as an independent data controller. If you have comments or questions about this Privacy Notice, contact us at dpo@iute.com.

Personal Data We May Process

  • Website and portal operation data, such as IP address, device information, browser type, session identifiers, and log files.
  • Email verification and data accuracy data, including email address, verification code, and technical confirmation logs.
  • Cookie identifiers, session IDs, usage preferences, and tracking pixels.
  • Insurance-service data processed on behalf of partners, such as identification, contact, financial, employment, health, medical, claims, uploaded document, correspondence, payment, and reference data, depending on the product.

Purposes And Legal Bases

Purpose Legal basis
Website and portal operation Article 6(1)(f) GDPR - legitimate interest in ensuring security and functionality
Email verification and data accuracy Article 6(1)(f) GDPR - legitimate interest in ensuring data accuracy and preventing misuse
Cookies and tracking Consent for non-essential cookies; Article 6(1)(f) GDPR for strictly necessary cookies
Payment Protection Insurance, Second Medical Opinion services, claims support, accounting, and reconciliation Lawful basis determined by the relevant data controller, including contract, consent, health-related legal bases, or legal obligation where applicable

Recipients

Where Iute Affinity acts as a processor, personal data is transmitted solely on documented instructions of the relevant data controller and only to recipients determined by that controller. Where Iute Affinity acts as a controller, we may share personal data with trusted processors such as IT, hosting, infrastructure, analytics, and communication service providers, and with competent authorities where required by law.

International Transfers

Where personal data is transferred outside the European Economic Area, we use appropriate safeguards required by applicable data protection law, such as standard contractual clauses or other approved mechanisms.

Retention

We keep personal data only for as long as necessary for the purposes for which it was collected, including to meet legal, accounting, reporting, contractual, or security requirements.

Your Rights

To the extent required by applicable data protection regulations, you have rights including access, rectification, erasure, restriction, data portability, objection, withdrawal of consent, and the right to lodge a complaint. To exercise your rights, contact us at dpo@iute.com.

Lodging A Complaint

If you believe your rights have been violated, you can contact us at dpo@iute.com or lodge a complaint with a supervisory authority, including the Estonian Data Protection Inspectorate.

Changes To This Notice

We reserve the right to update this Privacy Notice. All changes will be posted on this page, and significant changes will be communicated via our website.

Contact

For privacy-related questions, contact Iute Affinity OÜ, Maakri tn 19/1, 10145 Tallinn, Estonia.

Iute Affinity

Iute Affinity is the insurance solutions and operational platform of Iute Group, enabling embedded insurance services across digital banking products through integration, administration, and partner coordination.

Iute Affinity OÜ

Maakri tn 19/1, 10145 Tallinn, Estonia

Register number: 17382610

Iute Group

Iute Group is a digital banking group focused on everyday financial services in Southeast Europe. Established in 2008 and headquartered in Estonia, Iute serves customers in Albania, Bulgaria, Moldova, North Macedonia, and Ukraine.

Iute Group website

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